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Flood Insurance in Hoston, TX

Flood insurance is a separate policy from homeowners coverage. Most Texas residents purchase through the National Flood Insurance Program (NFIP), but private flood markets have grown -- and often beat NFIP rates and limits. If you live in a FEMA-designated flood zone, your mortgage lender requires it.

24 flood insurance agencies in Hoston

Within 15 miles of Hoston, TX. Click any agency to view profile, contact info, and request a quote.

AA

Avalon Insurance Agency

Houston, TX· 6.6 mi
Agency
Popular
20+ agents20yr

Avalon Insurance Agency is an award‑winning independent agency in Houston, Texas offering a range of personal and commercial insurance products. Since 2006 they provide auto, home, umbrella, flood, renters, landlord, RV/motorcycle, commercial and life insurance with a focus on personalized service.

AutoHomeownersRentersCommercial GL+5 more
Carriers: AIG Assurance Company, ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +106
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AT

Affordable Insurance of Texas

Houston, TX· 3.7 mi
Agency
Very Popular
6+ agents

AIT Insurance is a Texas‑based agency offering a wide range of personal and commercial insurance solutions, emphasizing affordable and reliable coverage. They serve individuals and businesses with products such as auto, home, renters, life, and various liability options. Their focus is on helping clients protect what matters most.

Spanish
AutoHomeownersRentersCommercial GL+5 more
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CI

Crestar Insurance

Missouri City, TX· 11.8 mi
Agency
Very Popular
10+ agents20yr

Family owned and operated since 2006, Crestar Insurance provides auto, renters, home, flood, motorcycle and business insurance with a focus on customer service and expert knowledge of its products.

AutoCommercial GLFloodHomeowners+3 more
Carriers: ACCC Insurance Company, Agricultural Workers Mutual Auto Insurance Company, American Access Casualty Company +36
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TA

TIA-Texas Insurance Agency

Houston, TX· 11.2 mi
Agency
Popular
10+ agents27yr

Texas Insurance Agency (TIA) is an independent agency that has been serving individuals, families, and businesses in Texas since 1999. They compare multiple carriers to provide affordable coverage across auto, home, and commercial lines.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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MM

MCN Multiservices

Katy, TX· 12.5 mi
Agency
Very Popular
20+ agents20yr

MCN Multiservices is an independent insurance agency serving Harris and Fort Bend Counties, West Houston, and Katy for over 20 years. They offer personal and commercial insurance, tax preparation, and additional services with a focus on personalized, hassle‑free service.

Portuguese, Spanish
AutoHomeownersRentersFlood+6 more
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PI

Paga-Menos Insurance

Houston, TX· 4.8 mi
Agency
Very Popular
3-5 agents

Paga Menos Insurance is a Houston‑based agency offering a full range of personal and commercial insurance solutions across Texas, aiming to provide affordable coverage and financial stability for individuals and businesses.

Spanish
AutoCommercial GLCommercial PropertyFlood+3 more
Carriers: Alinsco Insurance Company, American Access Casualty Company, American Hallmark Insurance Company of Texas +32
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OL

Oscar's Insurance Agency LLC

Houston, TX· 4.3 mi
Agency
Popular
3-5 agents25yr

Oscar Insurance Agency LLC was founded 25 years ago by Oscar Rivas to provide auto, home, life, health and other insurance solutions. Over the years they have served thousands of satisfied customers in Houston.

Spanish
AutoCommercial GLFloodHomeowners+3 more
Carriers: ACCC Insurance Company, Agricultural Workers Mutual Auto Insurance Company, Alinsco Insurance Company +30
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TI

Texan Insurance

Houston, TX· 3.8 mi
Agency
Very Popular
1-2 agents41yr

Texan Insurance is a full‑service, family‑owned independent agency serving Texas since 1985. It offers personalized service through a team of licensed agents who help customers navigate insurance and risk management.

AutoHomeownersRentersCommercial GL+6 more
Carriers: ACCC Insurance Company, Alinsco Insurance Company, American Access Casualty Company +22
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IU

Insure US

Cypress, TX· 13.9 mi
Agency
Very Popular
10+ agents

InsureUS is an independent insurance agency in Cypress, Texas that offers a variety of personal and commercial insurance products, including auto, home, renters, flood, motorcycle, boat, and commercial coverage. They compare quotes from multiple carriers to help clients find competitive rates.

AutoBoatCommercial GLFlood+4 more
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TA

TIA-Texas Insurance Agency

Katy, TX· 13.5 mi
Agency
Popular
10+ agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage by comparing multiple carriers. They offer a range of personal and commercial insurance solutions and emphasize personalized service and quick quotes.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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AL

Arlene Lollie & Associates, LLC

Missouri City, TX· 13.5 mi
Agency
10+ agents

Arlene Lollie & Associates is a trusted insurance agency serving the Greater Houston area for over 20 years. They provide personalized personal and business insurance solutions, including auto, homeowners, life, commercial property, flood and boat coverage. The agency emphasizes high‑quality service and building lasting client relationships.

AutoBoatCommercial GLCommercial Property+5 more
Carriers: Agricultural Workers Mutual Auto Insurance Company, Alinsco Insurance Company, American General Life Insurance Company +72
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AI

Auto Express Insurance

Bellaire, TX· 4.7 mi
Agency
Very Popular
1-2 agents

Auto Express Insurance is a Houston‑based agency that helps consumers save money on insurance and assists businesses in reducing risk. The agency serves the greater Houston area, offering personalized protection for families and commercial clients alike.

Spanish
AutoCommercial GLFloodHomeowners+3 more
Carriers: Alinsco Insurance Company, American Access Casualty Company, American Hallmark Insurance Company of Texas +19
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CT

Commercial Insurance Services of Texas

Katy, TX· 13.9 mi
Agency
Popular
10+ agents

Commercial Insurance Services of Texas is an independent insurance agency serving Katy, Pearland, and Houston, focused on providing business insurance solutions with a strong emphasis on customer service. They partner with multiple carriers to offer comprehensive coverage for commercial and personal policies.

AutoBoatCommercial GLFlood+5 more
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TA

TIA- Texas Insurance Agency

Spring Branch, TX· 3.6 mi
Agency
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage. They compare multiple carriers to match customers with auto, home, motorcycle, and commercial policies.

Spanish
AutoMotorcycleHomeownersRenters+4 more
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TA

TIA- Texas Insurance Agency

Houston, TX· 5.4 mi
Agency
Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency serving Texas since 1999, offering a range of insurance products such as auto, homeowners, renters, flood, motorcycle and commercial coverage. They compare multiple carriers to provide affordable, customized policies for individuals and businesses.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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TA

TIA- Texas Insurance Agency

Houston, TX· 4.8 mi
Agency
Very Popular
1-2 agents27yr

TIA‑Texas Insurance Agency, an independent Texas insurance agency operating since 1999, offers affordable coverage and free quotes for individuals, families, and businesses. The agency compares multiple carriers to provide auto, home, business, and specialty insurance solutions across Texas.

Spanish
AutoHomeownersRentersFlood+4 more
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TA

The Vanguard Insurance Agency

Houston, TX· 6.0 mi
Agency
Very Popular
1-2 agents

We are in the business of helping people by shopping insurance policies with multiple top‑rated carriers. As a highly respected agency in the greater Houston area we serve total insurance needs including life, home, auto, commercial and financial services.

Spanish
AutoCommercial GLFloodHomeowners+3 more
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY, ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY +65
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AI

AAAA Auto Insurance

Katy, TX· 12.8 mi
Agency
10+ agents32yr

AAAA Insurance is a family‑owned independent agency serving the greater Houston Metro area. It has been operating since 1994 and has grown from one office to more than 15 locations. The agency focuses on providing friendly, customer‑first service for auto, home and commercial insurance needs.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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AI

Abe Jacobs Insurance

Missouri City, TX· 12.5 mi
Agency
New on InsurConnect
20+ agents43yr

Abe Jacobs Insurance Agency provides personalized Life, Home, Auto, Commercial, and Flood insurance across Texas. Founded in 1983, the agency has nearly four decades of experience delivering risk management solutions and competitive rates.

AutoCommercial GLCommercial PropertyFlood+5 more
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TA

TIA- Texas Insurance Agency

Houston, TX· 5.2 mi
Agency
Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage. It compares multiple carriers to match customers with policies such as auto, home, renters, and commercial insurance.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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CG

Cash & Forbes Insurance Group

Sugar Land, TX· 7.1 mi
Agency
Very Popular
1-2 agents8yr

Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that offers personal and business insurance solutions to individuals, families, and businesses throughout Texas.

AutoHomeownersRentersFlood+5 more
Carriers: ASI Lloyds, Access Home Insurance Company, Ace American Insurance Company +84
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HI

Houston Insurance Agency, Inc

South Houston, TX· 2.7 mi
Agency
1-2 agents

We are an independent insurance agency serving Texas, partnering with many carriers to provide auto, flood, and commercial auto coverage.

AutoCommercial GLFloodHomeowners+2 more
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AA

Allwin Insurance Agency - Affordable Health Insurance, Business, Home and Auto Insurance in Houston

Houston, TX· 5.4 mi
Agency
Very Popular
1-2 agents

Allwin Insurance Agency in Houston, Texas provides tailored insurance policies for automotive, life, homeowners, renters, and commercial needs. Their experienced brokers assist with policy renewals, finding new policies, lowering premiums, and claim filing, offering personalized service to individuals and businesses.

Mandarin Chinese
AutoCommercial GLCommercial PropertyFarm+5 more
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Better Health of Texas Inc., Aetna Dental Inc. +24
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MA

Memorial Insurance Agency

Houston, TX· 7.1 mi
Agency
Very Popular
1-2 agents8yr

Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that serves Texas families and businesses with a variety of personal and commercial insurance solutions. The agency merged with Memorial Insurance Agency and operates out of Houston, TX, offering auto, home, renters, flood, boat, and business coverage.

AutoHomeownersRentersCommercial GL+5 more
Carriers: Ace American Insurance Company
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Frequently asked questions

Is flood insurance required?

Mortgage lenders require it for properties in FEMA Special Flood Hazard Areas (SFHAs). Even outside an SFHA, it's worth carrying -- about 25% of NFIP claims come from low/moderate-risk zones.

How long until coverage starts?

NFIP policies have a 30-day waiting period from purchase to effective date (with a few exceptions, like loan closing). Private flood policies sometimes offer shorter waiting periods.

What does flood insurance cover?

Building structure (foundation, walls, electrical, plumbing) and contents (furniture, appliances). Standard NFIP limits are $250K building / $100K contents for residential. Higher limits available through private markets.